Zoho Financial
Zoho Financial is your one stop shop for Financial advice, Life, Health and Travel Insurance needs.
06/22/2026
Thank you to our sponsors! See everyone at 12pm tomorrow.
Title sponsors:
Raj Sidhu - Real Estate Broker
Fair Deal Travel
Gold Sponsors:
Navdeep Singh
Jagtar Singh Premium Accounting
Harpreet Pandher Stella Properties
Host India - Ravinder Tumber
Rangoli - Charanjit Singh
Zoho Financial - Harpreet Singh
Freshii - Tejinder Sarao
Little Caesars - Harjinder Saini
Jagdeep Perhar - Royal Lepage Team Realty
Silver Sponsors:
Nav Law Firm
Petro Canada - Gurmukh Pabla
Remax Hallmark - Navi Singh
Yograj Singh Real Estate Team
Atul Uppal - Seaway Home Renovations
Spinder Hundal- Right at Home Realty
Ramandeep Kapoor - Right at Home Realty
Dj Rav
Mahal Creations
š„ Too Much Retirement Income⦠Is That Even a Problem? š¤
Plot twist: YES! And most retirees never see it coming! š
Picture this. You retire, youāve done everything right, the income is flowing in nicely⦠and then tax season hits like a surprise pop quiz! šš±
CPP, Old Age Security, RRIF withdrawals, corporate income⦠they all show up to the party at once, and suddenly youāre paying way more tax than you ever expected! šā”ļøš¬
Hereās the kicker. Stack all that income together and you can get bumped into a higher tax bracket, AND trigger an Old Age Security clawback! Thatās right, the government can literally take some of your OAS back. Talk about an unwanted refund! š
šø
So hereās the real secret nobody tells you. Retirement planning isnāt just about maximizing how much income you get. Itās about managing HOW that income shows up year by year.
A smooth, steady income is usually way better than one big lumpy one. Think tortoise, not hare! š¢š°
Because nobody wants to win the income race and then lose to the tax bill! š
If you want to make sure your retirement income works smart, not just hard, letās talk!
This is Harpreet Singh, your trusted full service financial advisor at Zoho Financial. š
Letās smooth out that income curve today! šā”ļøć
Ontario Canada
06/18/2026
You donāt feel the need for insurance⦠until something changes.
A medical emergency.
A loss of income.
A responsibility you didnāt plan for.
Thatās when protection stops being optional.
The right insurance isnāt about fear
itās about being prepared before life tests you.
Make sure youāre covered the right way.
š
book.zoho.ca/intro
Insurance Planning, Risk Protection, Financial Security, Life Insurance, Income Protection
A strong financial plan isnāt just about growing wealth
itās about protecting it from what you donāt see coming.
Insurance isnāt fear-based.
Itās strategy-based.
Because real planning covers both sidesā
growth and protection.
If your plan only focuses on returns,
you might be missing half the picture.
š
book.zoho.ca/intro
Insurance Strategy, Financial Planning, Risk Management, Wealth Protection, Income Security
06/12/2026
nsurance isnāt something you needāuntil you really do.
Itās not about spending more.
Itās about protecting what youāve already builtāyour health, your income, your family, your future.
Because one unexpected moment shouldnāt undo years of hard work.
The right coverage doesnāt create wealthā
it protects it.
š
book.zoho.ca/intro
Insurance Planning, Risk Protection, Financial Security, Wealth Protection, Life Insurance, Income Protection
06/10/2026
Before you put more money into the market, take a step back.
Is your structure solid?
Is your risk aligned?
Is your strategy clear?
Because growth doesnāt come from investing more
it comes from building it right first.
A strong foundation isnāt optional. Itās everything.
š
book.zoho.ca/intro
Investment Strategy, Financial Planning, Risk Management, Wealth Building, Portfolio Structure
06/09/2026
Every year, Vaisakhi Mela showcases performances by over 200 kids who attend Punjabi school at Ottawa Sikh Society throughout the year. Itās not just the celebration of another year of success, but thereās 5 months of hardwork & practice that goes into these performances.
To top that, there are dozens of volunteer parents, teachers and youth who spend countless hours preparing these kids.
Three of the four core values of Zoho Financial being āEngageā (with our communities), āLearnā (be continuously learning and promoting learning amongst our youth) and āCareā (for our families and communities), there could not be a fitting place where we could be prouder to associate with such an event.
And of course, excited on a personal level to watch our boys perform on Sunday, 21st of June at Meridian Theatre!
Thank You Ottawa Sikh Society Punjabi School for facilitating and encouraging kids to develop this pride for their heritage.
06/08/2026
Financial planning isnāt just about numbers itās about the principles that guide every decision.
From care and loyalty to transparency and independence, these arenāt just words they define how your money is managed, protected, and grown.
Because when the foundation is right, everything else follows.
If you value clarity, trust, and strategy over shortcut this is for you.
š
book.zoho.ca/intro
Financial Planning, Wealth Management, Investment Strategy, Risk Management, Financial Advisor, Money Planning
06/06/2026
Financial planning isnāt just about numbers itās about the principles that guide every decision.
From care and loyalty to transparency and independence, these arenāt just wordsāthey define how your money is managed, protected, and grown.
Because when the foundation is right, everything else follows.
If you value clarity, trust, and strategy over shortcuts this is for you.
book.zoho.ca/intro
Financial Planning, Wealth Management, Investment Strategy, Risk Management, Financial Advisor, Money Planning
š„ You Opened an RESP⦠Now What? š
So you set up the RESP, gave yourself a pat on the back, and never looked at it again. We see you! šš
Hereās the thing though ā opening an RESP is just the first chapter, not the whole book! š
Most families stop there. But high income families who actually want to WIN at education planning? They go a little deeper š
ā° When you withdraw matters just as much as how much you save
š” Non-registered investments can play a big role too
šØāš©āš§ Family income splitting is a game changer that most people never even consider
The goal isnāt just saving for school. Itās funding education efficiently while keeping unnecessary taxes out of the picture! Because why give CRA a tuition credit they didnāt earn? š
Think of it this way. An RESP without a strategy is like showing up to an exam without studying. Technically youāre there⦠but are you ready? š¤·āāļøš
Families who start early and plan smart routinely save tens of thousands in taxes and stress over the years. Yes, tens of thousands! š¤Æšø
Education planning isnāt just about saving. Itās about coordination with your overall financial plan so everything works together seamlessly.
Reach out to Harpreet Singh at Zoho Financial
book.zoho.ca/intro and letās make your RESP work as hard as your kids one day will! šš
Letās build that strategy today! š
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880 Lady Ellen Place, Suite# 200
Ottawa, ON
K1Z5L9